Rates

APR AS LOW AS1 APPLIES TO LOANS WITH AUTO TRANSFER OF PAYMENT FROM YOUR CHECKING ACCOUNT

Effective January 1st, 2024

SAVINGS
SAVINGS Accounts Terms & Balances	Primary Share Savings Regular	Additional Regular Share Savings	IRA Share Savings	Coogan Share Savings	Young Performer Share Savings
Minimum Deposit to Open Account	$25	None	$25	$25	$25
Minimum Balance to Maintain the Account or Avoid Low Balance Fee	$250	None	None	None	None
Minimum Balance to Earn Dividends	$250	$250	$25	$25	$25
Balance Tiers to Earn Dividends:	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield
$25.00 - $9,999.99			0.300%	0.300%	0.300%
$250.00 - $9,999.99	0.300%	0.300%	0.300%	0.300%	0.300%
$10,000.00 - $24,999.99	0.300%	0.300%	0.300%	0.300%	0.300%
$25,000.00 - $49,999.99	0.300%	0.300%	0.300%	0.300%	0.300%
$50,000.00 - $99,999.99	0.650%	0.650%	0.650%	0.650%	0.650%
$100,000.00 and Over	0.700%	0.700%	0.700%	0.700%	0.700%

CERTIFICATES
CERTIFICATE Accounts	Minimum Deposit and Balance $1,000**	Minimum Deposit and Balance $10,000**	Minimum Deposit and Balance $25,000**	Minimum Deposit and Balance $50,000**
CERTIFICATE Term:	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield
6 Months	2.900%	3.000%	3.050%	3.100%
12 Months	3.400%	3.500%	3.550%	3.600%
24 Months	3.500%	3.600%	3.650%	3.700%
36 Months	3.600%	3.700%	3.750%	3.800%
48 Months	3.700%	3.800%	3.850%	3.900%
60 Months	3.900%	4.000%	4.050%	4.100%

CHECKING
CHECKING Accounts Terms & Balances	Performance Checking Account	eChecking Account	Senior Checking Account	Health Savings Account (HSA)
Minimum Deposit to Open Account	$25	$25	$25	$25
Minimum Balance to Maintain Account	None	None	None	None
Monthly Service Charge	$7.95	$0.00*	$0.00*	None
Minimum Average Balance to Avoid Service Charge	$1,000.00**	$0.00*	$0.00*	None
Minimum Average Balance to Earn Dividends	$1,000	N/A	N/A	No Minimum
Balance Tiers to Earn Dividends:	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield	Annual Percentage Yield
$ 0.01 and Over				0.010%
$1,000.00 and Over	0.010%	N/A	N/A

MONEY MARKET
MONEY MARKET Account Terms & Balances		Money Market Savings Account
Minimum Deposit to Open Account		$2,500
Minimum Balance to Maintain Account or Avoid Fee		$2,500
Minimum Balance to Earn Dividends		No Minimum
Balance Tiers to Earn Dividends:		Annual Percentage Yield
$ 0.01 - $2,499.99		0.300%
$2,500 - $24,999.99		1.000%
$25,000.00 - $49,999.99		1.050%
$50,000.00 - $74,999.99		1.800%
$75,000.00 - $99,999.99		1.900%
$100,000.00 and Over		2.000%

¹ indicates a 1% discount rate for loans scheduled for auto pay

APR* means Annual Percentage Rate.

AUTOMOBILES
Loan Type	Financing up to 120% based upon creditworthiness	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
2023 & Newer Model Years	120%	$5,000 or more	60 Months	6.99%	$19.80	5.99%	$19.33
2023 & Newer Model Years	120%	$5,000 or more	72 months	7.24%	$17.17	6.24%	$16.69
	120%	$5,000 or more	84 Months	9.24%	$16.22	8.24%	$15.71
2019-2022 Model Year	120%	$5,000 or more	60 months	7.49%	$20.04	6.49%	$19.57
2019-2022 Model Years	120%	$5,000 or more	72 Months	7.74%	$17.41	6.74%	$16.93
	120%	$5,000 or more	84 Months	9.74%	$16.48	8.74%	$15.97
2014-2018 Model Years	100%	$5,000 or more	60 Months	8.99%	$20.76	7.99%	$20.28

MOTORCYCLES, BOATS, & RVs
Loan Type	Financing up to 90% based upon credit worthiness	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
2023 and Newer Model Years	90%	$5,000 or more	60 Months	11.49%	$22.00	10.49%	$21.50
	90%	$5,000 or more	72 Months	11.74%	$19.42	10.74%	$18.91
	90%	$5,000 or more	84 Months	13.74%	$18.61	12.74%	$18.06
2019-2022 Model Years	90%	$5,000 or more	60 Months	11.99%	$22.25	10.99%	$21.75
	90%	$5,000 or more	72 Months	12.24%	$19.68	11.24%	$19.17
	90%	$5,000 or more	84 Months	14.24%	$18.88	13.24%	$18.33
2014-2018 Model Years	90%	$5,000 or more	60 Months	13.49%	$23.01	12.49%	$22.50

SIGNATURE LOANS (MINIMUM LOAN AMOUNT $1,500)
Loan Type	Financing	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As1	Repayment Per $1,000 Borrowed Based on APR & Term
	N/A	Up to $15,000	60 Months	12.40%	$22.46	11.40%	$21.95

MUSICAL INSTRUMENT AND MUSICAL EQUIPMENT LOANS
Loan Type	Financing	Amount	Term up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
	N/A	Up to $50,000	Up to 60 Months	6.99%	$19.80	5.99%	$19.29

Musical Instrument and Musical Equipment Loans must be back by a UCC filing

VISA CREDIT CARDS (VARIABLE RATE)
Loan Type	Financing	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term
Visa Classic		Credit Limits up to $15,000	Revolving	APR as low as 12.99%	N/A	Prime + a margin	N/A
Visa Rewards		Credit Limits up to $15,000	Revolving	APR as low as 14.99%	N/A	Prime + a margin	N/A

SHARE SECURED LOAN
Loan Type	Financing	Amount	Term Up to	APR* As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR* As Low As¹	Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available	100% of Share Bal.	Up to $10,000	24 Months	3.50%	$43.21
	100% of Share Bal.	Up to $10,000	48 Months	4.00%	$22.59	-	-
	100% of Share Bal.	Up to $10,000	72 Months	5.00%	$16.11

CERTIFICATE SECURED MINIMUM LOAN AMOUNT $1,500
Loan Type	Financing	Amount	Term Up to	APR As Low As	Repayment Per $1,000 Borrowed Based on APR & Term	APR As Low As¹	Repayment Per $1,000 Borrowed Based on APR* & Term
Automatic Payment Discount Not Available	Borrow up to 90% of your Certificate Balance for 2 Years or Less			3.00% Above Certificate Dividend Rate		-	-
	Borrow up to 90% of your Certificate Balance for 2 Years or Less			3.00% Above Certificate Dividend Rate

Home Equity Line of Credit
Loan Type	CLTV	Amount Maximum	Term Up to	APR*
Home Equity Line of Credit	Up to 70%	$125,000	20 year	8.75%
Home Equity Line of Credit	Up to 80%	$125,000	20 year	9.00%

MORTGAGE LOANS
Rates as of 9/02/2024
Loan Type	LTV	Amount Maximum	APR*
5/1 ARM	80%	$2,000,000	5.875%
15-Year Fixed	80%	$2,000,000	5.000%
30-Year Fixed	80%	$2,000,000	5.875%

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment.

*APR means Annual Percentage Rate

*Auto Loan rates over $100,000 will be subject to a 0.50% rate increase